Union Bank Of India

Financial

	Union Bank Of India	IDBI	Canara Bank
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	21440.48 Crs	3767.27 Crs	116454.64 Crs
% of AUM in equity fund	70.5 %	67.98 %	79.59 %
5 Yr AUM CAGR - Mutual Funds	40.76 %	-19.47 %	43.17 %
Banking Sector
Capital to Risks Assets Ratio (CRAR)	18.3 %	25.39 %	16.52 %
Tier I Capital	16.58 %	23.71 %	14.58 %
Tier 2 Capital	1.72 %	1.68 %	1.94 %
Fresh Slippages - Quarterly	2199.0 Crs	504.0 Crs	2129.0 Crs
Cost To Income Ratio	49.19 %	48.86 %	46.77 %
Credit Deposit Ratio	76.4 %	71.38 %	74.7 %
Net Interest Margin	2.76 %	3.68 %	2.55 %
Yield On Advances	8.5 %	9.11 %	8.47 %
Gross NPA	3.52 %	2.93 %	2.69 %
Net NPA	0.62 %	0.21 %	0.63 %
CASA Ratio	32.52 %	44.65 %	29.56 %
CASA vs Liabilities	26.98 %	32.88 %	24.41 %
NBFC
Cost of Borrowing	4.89 %	4.98 %	5.27 %
Financials
5 yr Average ROE	12.29 %	10.61 %	14.15 %
5yr average Equity Multiplier	15.51	7.21	17.53
5yr Average Asset Turnover Ratio	0.08	0.08	0.08
5yr Avg Net Profit Margin	8.83 %	14.64 %	8.44 %
5yr Avg Net Profit Margin	8.83 %	14.64 %	8.44 %
5yr CAGR Net Profit	44.48 %	38.19 %	43.42 %
5yr CAGR Sales	9.22 %	6.6 %	10.34 %
5 yr CAGR PPOP	9.57 %	9.31 %	9.85 %
Price to Book	0.8	1.52	0.88
P/E	5.2	12.25	5.76
Shareholdings
Promoter Holding	74.76 %	94.71 %	62.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-8.74 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	2.72 %	0.04 %	0.77 %

Business

	Union Bank Of India	IDBI	Canara Bank
Segment Break-Up	Segment Break-Up Consumer Finance 36.46 Corporate Banking 34.12 Treasury Operations 26.63 Treasury 0 Retail banking 0 Corporate/Wholesale banking 0 Life Insurance Operation 0 Wholesale Banking Operations 0 Retail Banking Operations 0 Treasury Operations 0 Others 2.79	Segment Break-Up Wholesale Banking Operations 0 Treasury Operations 0 Corporate Banking 14.92 Consumer Finance 57.46 Consumer Finance 0 Retail Banking Operations 0 Corporate Banking 0 Treasury Operations 27.06 Life Insurance Operation 0 Others 0.56	Segment Break-Up Corporate Banking 29.99 Treasury Operations 19.19 Corporate/Wholesale banking 0 Retail banking 0 Consumer Finance 0 Consumer Finance 41.97 Corporate Banking 0 Treasury 0 Life Insurance Business 8.85
Loan Break-Up	Loan Break-Up LC & Other 44.06 Retail 23.5 Agricultural 17.61 MSME 14.82 Services 0 Industry 0 Personal Loans 0 Others 0.01	Loan Break-Up MSME 0 Agricultural 0 Industrial & Commercial 20.93 Personal Loan 44.18 Services 23.75 LC & Other 0 Retail 0 Others 11.14	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 4.33 India 95.67
Operating Profit Break-Up	Operating Profit Break-Up Retail Banking 44.2 Treasury 32.69 Wholesale Banking 19.24 Others 3.87	-	-
Borrowings Break-Up	Borrowings Break-Up Perpetual Bonds 35.24 Tier 2 Bonds 28.92 Borrowings outside India 13.35 Reserve Bank of India 0 Upper Tier 2 Bonds 0 Borrowings outside India 0 Basel III Omni Tier 2 Bond 0 0 Upper Tier II Bonds 0 0 UNSECURED REDEEMABLE BONDS 0 OTHER INSTITUTIONS AND AGENCIES 0 OTHER BANKS 0 RESERVE BANK OF INDIA 0 Others 22.49	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 0 Unsecured, Redeemable Bonds (Subordinated for Tier II Capital) 1.52 Basel III Omni Tier 2 Bond 9.53 Borrowings outside India 38.99 Upper Tier II Bonds 0 0 RESERVE BANK OF INDIA 0 Upper Tier 2 Bonds 0 Tier 2 Bonds 0 OTHER BANKS 0 OTHER INSTITUTIONS AND AGENCIES 0 Perpetual Bonds 0 Reserve Bank of India 0 Others 49.96	Borrowings Break-Up UNSECURED REDEEMABLE BONDS 74.79 0 Basel III Omni Tier 2 Bond 0 Borrowings outside India 0 Upper Tier II Bonds 0 0 RESERVE BANK OF INDIA 0 Upper Tier 2 Bonds 0 Tier 2 Bonds 0 Other banks - India 1.0 Other Institutions & Agencies 24.21 Perpetual Bonds 0 Reserve Bank of India 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 65.77 Priority Sector 34.23 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 29.63 Non Priority Sector 70.37 Non-Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 39.39 Non Priority Sector 0 Non Priority Sector 60.61
Asset Break-Up	Asset Break-Up India 0 Others 100	-	Asset Break-Up India 91.33 Others 8.67
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 71.11 Liquid/ Money Market 22.06 Debt 5.42 Balanced schemes 0 ETF 0 EQUITY 0 FMP 0 Gilt 0 Others 1.41	AUM Break-Up - Asset Management ETF 2.84 Equity 67.98 Debt 5.2 FMP 0 Balanced schemes 4.95 Gilt 0 Equity 0 Liquid/ Money Market 17.85 Others 1.18	AUM Break-Up - Asset Management ETF 0 Equity 79.59 Debt 3.38 FMP 0 Balanced schemes 11.56 Gilt 0 Equity 0 Liquid/ Money Market 5.34 Others 0.13
NPA Break-Up	NPA Break-Up Agricultural 42.12 Medium & Large 31.46 Micro, Small and Medium Enterprises 18.5 Consumer Finance 7.92 Corporate & Others 0 MSME 0 Agriculture & Allied 0 Retail 0	-	NPA Break-Up MSME Sector 26.55 Micro, Small and Medium Enterprises 0 Agricultural 0 Corporate 40.18 Consumer Finance 0 Agricultural 27.14 Medium & Large 0 Retail 6.14

Union Bank Of India

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